08-07-2008 04:32 PM
08-07-2008 04:43 PM
emoticon wrote:I combined a BOA Platinum Visa with the BOA Accelerated Rewards AMEX. The CSR told me all was good and that I would receive a letter with the decision. I could immedialtely see on my account on the web that I now had a card with a high limit and one with zero. About a week later, I received the letter.Dear emoticon,As you requested, we have consolidated your accounts serviced by FIA Card Services, N.A., combining all balances to the above-referenced account. The new credit line is shown above. The following account or accounts were closed:xxx xxx xxx xxxPlease destroy all cards...btw, I retained all leftover visa worldpoints even though they said I would lose them. When they told me I would lose them, I cashed them in and left a few hundred points unused.
08-07-2008 05:14 PM
08-07-2008 05:16 PM
Good idea. I think I'll give them until tomorrow a.m. and if it doesn't appear, I'll call back on the number I was given in this thread. Thanks for your input!
emoticon wrote:Maybe you could call back and talk to another CSR. It's possible that they didn't do the consolidation properly. It should be immediate. There's no reason for them not to do it except lack of knowledge about the process.
08-09-2008 11:35 AM
sankofa wrote:You're welcome!! TC!Sandy
08-09-2008 12:28 PM
08-09-2008 02:55 PM
It's a done deal. I appreciate your advice, and it's certainly sound. The only reason I didn't opt to do it that way is because I already have 21 cards. (I just counted yesterday. lol) It's getting to be a bit much, you know? I don't NEED 21 cards and I'd LOVE to close a bunch of them down, but they're all good TLs and they help the utilization, so I don't want to mess that up. BUT, if I can move a CL to another card, I figured why not?
Cheech, if it's already a done deal, then congrats for pulling it off, but if something messes up, your back-up plan might be to transfer all but $1K of the Visa's CL to the AmEx, and keep the Visa open. Put some piddly recurring bill on it and sock-drawer it, so that you don't have to worry about the APR, but it will continue to report as a clean, healthy TL. (I'd leave $1K CL on it, because there is some indication that other lenders sneer at you if you have lower CL cards.)
But if it annoys you beyond endurance, kill it off. I have a few on death row myself.
08-09-2008 04:31 PM
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